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Grow your personal services business with Smart Mini

Seamlessly accept card payments on the go with CommBank Smart Mini.

When your business offers personal services, flexibility is everything. You need to be able to adjust your schedule based on how customers make, move and cancel appointments. This creates an exciting work environment where no two days are the same. But it can also be a challenge without the right tools and technologies behind you.

CommBank’s Smart Mini makes managing payments in this environment easy. It’s a reliable, portable payment solution that’s perfect for a variety of personal services including:

  • Beauticians
  • Event planners
  • Physios
  • Dog walkers
  • House sitters
  • Photographers
  • Tradies

What is Smart Mini?

Smart Mini is a compact, pocket-sized device that allows you to take payments from anywhere, at any time.

Simply connect the Smart Mini to your smartphone or tablet using Bluetooth1 and start processing card transactions. It’s as easy as setting up a pair of wireless headphones.

Embrace cashless payments

While cash still rules in the personal services sector, more and more people are opting to pay by card. Only 13% of all payments made in Australia in 2022 involved cash.2 To keep up, you may want to offer card payments to your customers.

At that point, you’ve got two options. You can invest in a more sophisticated EFTPOS terminal with all the frills but higher upfront and ongoing costs. Or, purchase a Smart Mini that’s easy to operate for a low upfront fee.

For Hanna Hayes of Hayes Family Trust clothing retailer, the choice was simple:

“The Smart Mini Hub is super simple to navigate, even if you’re not tech-savvy like me. The reader is easy to use, reliable and compact, and the low fees are great too.”

Enjoy low fees and same-day settlement

Smart Mini fees are low compared to other payment readers. The rate is just 1.1% per transaction3 – making it one of the most cost-efficient ways to accept card payments.

Smart Mini also offers same-day settlement4, which means your money is available in your linked Business Transaction Account5 the very same day.

Easily scale up as your business grows

As your business grows and you take on more people, it’s easy to train new staff to use Smart Mini. Plus, your entire business’ cash flow can be consolidated into one convenient account, no matter where your staff are working.

Smart Mini is also secure and built to handle any volume of transactions. So no matter how quickly your business grows, you can take payments with confidence.

Help your customers pay with confidence

As Lynema Martinez, the owner of Wally’s Tacos said:

“I love the look of the Smart Mini, plus same-day settlement and convenient surcharging options provide a big advantage.”   

But it’s not just about the look. Customers are increasingly concerned about card and data security.

Many Australians have been affected by data breaches. So your customers may be hesitant to tap their cards on devices they don’t recognise – especially if they’re new to your business.

Smart Mini devices feature clear Commonwealth Bank branding. With their transactions being handled by Australia’s largest bank, your customers can pay with confidence.

Grow your business with Smart Mini

The freedom to take payments anywhere with our reliable, portable payment solution.

Explore Smart Mini

Things you should know

As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant Agreement (PDF 357.78KB), Financial Services Guide (PDF87.76KB) and Operator and User Guides at our merchant support hub.

1 Smart Mini reader must be paired to a mobile or tablet device with Wi-Fi or 4G/3G connectivity

2 Reserve Bank of Australia, Cash Use and Attitudes in Australia, June 2023

3 1.1% covers Mastercard, Visa, AMEX, JCB, EFTPOS, and UnionPay transactions (JCB coming soon for Smart Mini, additional costs may apply for all other cards). AMEX is subject to approval, available to eligible customers only. Eligibility criteria, terms and conditions apply. Please contact AMEX for more information on 1300 363 614, available weekdays 8:00am to 6:00pm Sydney/Melbourne time.

4 Same-day settlement is available on all EFTPOS transactions made before 9:30pm (Sydney/Melbourne time) and all eCommerce transactions made before 5:30pm (Sydney/Melbourne time) for eligible customers with a CommBank Business Transaction Account and a linked CommBank merchant facility.

5 A Business Transaction Account is required to settle your transactions, if you apply online through NetBank. You can choose to settle your transactions to an alternate account held with us or another financial service provider by calling our Merchant Sales team on 1800 730 554, any time after your application is finalised. Terms, conditions, fees and charges apply to Business Transaction Accounts and NetBank. Read the Terms and Conditions for Business Transaction and Savings Accounts (PDF 378.18KB) and the Electronic Banking Terms and Conditions (PDF 493.34KB) and consider whether these products are right for you. The target market for this product can be found within the product’s Target Market Determination.